6875 Michelle Dr, Roscoe, IL 61073 Property Records

Winnebago County property record for 6875 Michelle Dr, Roscoe, IL 61073

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,725 sqft · built 1976
Lot Size	1.1 acres (47,916 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jul 2021)
Tax Bill	$7,121 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-34-228-001`

Property Details

APN / Parcel Number

Primary APN	`04-34-228-001`
Alternative APNs	`434228001` `035B336`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,725 sqft Living Area
Basement Area	1,725 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Lot Area	47,916 sqft
Garage Area	660 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Street Address	6875 MICHELLE DR
City	ROSCOE
State	IL
Zip	61073-9169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	HICKORY KNOLL FIRST ADDN PT NE 1/4 NE1/4 SEC 34 & PT NW 1/4 NW 1/4 SEC 35-46-2 LOT 026
Legal Range	2
Legal Township	46
Legal Section	35
Legal Subdivision	HICKORY KNOLL FIRST ADDN
Legal Lot Number	026
Jurisdiction	WINNEBAGO IL
Township / Civil Division	ROSCOE
Census Block Group	2
Census Block	2009
Census Tract	3903

Owner

Source: Winnebago County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	6875 MICHELLE DR, ROSCOE, IL 61073-9169
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2021	Warranty Deed, Transfer · Conventional Mortgage BLACKHAWK BANK
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST NAT'L BK/OMAHA
Apr 22, 2017	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK/OMAHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2021 · Amount on Record
Deed Sale	Jul 28, 2021 · Amount on Record
Prior Sale	Dec 6, 2016 · Amount on Record
Deed Document Number	202126509
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WINNEBAGO IL
Recording Date	Jul 28, 2021
Property Address	6875 MICHELLE DR, ROSCOE, IL 61073-9169
Document Number	0000026509
Map Reference	PB 35 PG 212
Instrument Date	Jul 22, 2021
Instrument	2126509
Transaction Type	Transfer
Record Updated	May 19, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$367.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6875 MICHELLE DR, ROSCOE, IL 61073-9169

Mortgage

Document Number	0000026510
Date	Jul 28, 2021
Instrument	2126510

Lender

Name	BLACKHAWK BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6875 MICHELLE DR, ROSCOE, IL 61073-9169
Document Number	0001028369
Instrument Date	Sep 16, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	WHEATLAND TITLE, WHEATLAND TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6875 MICHELLE DR ROSCOE IL 610739169, ROSCOE, IL 61073-9169

Mortgage

Document Number	0001028369
Date	Sep 23, 2020
Instrument	1028369

Lender

Name	FIRST NAT'L BK/OMAHA
Type	Bank
Address	OMAHA, NE 68197-3165

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 22, 2035

Interest

Rate	2.62%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WINNEBAGO IL
Property Address	6875 MICHELLE DR, ROSCOE, IL 61073-9169
Document Number	0001013205
Instrument Date	Apr 22, 2017
Transaction Type	Mortgage
Record Updated	May 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6875 MICHELLE DR ROSCOE IL 610739169, ROSCOE, IL 61073-9169

Mortgage

Document Number	0001013205
Date	May 2, 2017
Instrument	1013205

Lender

Name	FIRST NAT'L BK/OMAHA
Type	Bank
Address	OMAHA, NE 68197

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4%

Tax Assessment & Valuation

Source: Winnebago County assessment roll, as of July 28, 2026

Property Jurisdictions

Type	Name
State	Illinois
County	Winnebago County
County Subdivision	Roscoe Township
Secondary School District	Hononegah Community High School District 207 (09 - 12)
Elementary School District	Kinnikinnick Community Consolidated School District 131 (PK - 08)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,121.00	$97,436 (+33.46%) Land $20,379 Building $77,057	$292,308 (+33.46%) Land $61,137 Building $231,171
2022	Homeowner's exemption	$73,007 Land $15,270 Building $57,737	$219,021 Land $45,810 Building $173,211

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1979)
Most Recent Claim	Mar 1979 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 79% of Illinois
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POPLAR GROVE WEST-COUNTRYSIDE serves 790 people · EPA ID IL0070350
Water Source	Groundwater
Last State Inspection	Feb 2025
Lead	2 ppb (2025–2027) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Metronet.

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